Stated Income Commercial Real Estate

If you are looking to build your business around property investments, you need to have the tools that allow you to expand your portfolio quickly and to improve it until it is positioned well for the markets you work in. That means being able to get equity out of one building for projects in another one—something that is not usually possible when you use traditional commercial real estate loans. That is where the stated income commercial real estate loan comes in. It was designed for entrepreneurs with needs like yours, and it allows you to get the most out of your whole portfolio when used as one of your financial tools.

How Stated Income Loans Work

Instead of basing the loan’s valuation on the market price of the property, as you would expect in a traditional loan for an acquisition, stated income loans are based on the actual earning power the building has. This is quite similar to the way other business loans that are designed to provide working capital operate, and it allows you to get financing that more closely mirrors your purposes. Use it to finance buildings, cover the costs of restoration or renovation, or to invest in new ventures.

Program Parameters

Stated income commercial real estate loans with Doriscar Capital Group carry the following features:

600 or better credit score to qualify

Income verification through self-employment records or a W-2

25 year terms

Fixed rates

Up to 70% LTV for non-owner occupied residential properties with 1-4 units

Up to 75% LTV for 5+ unit multifamily buildings

Up to 65% for warehouses, office buildings, and other commercial spaces

If you are ready to empower your portfolio by getting flexible working capital that you can use wherever and whenever you need it, contact one of our associates today to start your loan application.